ladies to you. >> yes, don't forget, jim. call me maybe. >> we'll be right back. >> good one. >> good-bye, we'll see you in a bit. >>> well, there could be some surprises in the coming years for people who don't have insurance under the new federal health care law. >> and it will come attacks t t time. there is a wrinkle that involves the irs and you, steven? >> janelle, the man who overseas the irs says they need to do a better job of getting the word out. the inspector general told me that he is concerned that many americans will be unprepared when the irs garnishes their tax refund for not buying insurance. the law is known as the affordable care act. and the mandate is the law. few know that the individual mandate rules will mean that a financial penalty will be levied for those who don't participate, don't buy or have health insurance provided by their employers. how will the irs do that? by docking their tax refunds, as much as a couple thousand a year for a family of four. and that, the inspector general says, presents